WELCOME To the Fire Family
IT’S YOURS
Membership with Firefighters First Credit Union opens the door to a host of Wealth Management services to you and your family. We strive to increase the value of your membership by setting high standards for legendary service. We take great pride in our commitment to the Fire Family, our integrity, smart investing, mutual trust, competitive rates, convenient services, and member education.
We offer all the modern and convenience-based banking services with one important difference - we are dedicated to serving the Fire Family.
QUICK REFERENCE GUIDE
Direct Deposit Routing Number: 322078341
Bill Pay No checks, no stamps, no hassle. Make payments to anyone in the country. Money Management An easy to use money management tool accessed directly in online banking to help you achieve your budget goals.
Save time with direct deposit. Have your paycheck, Social Security or other recurring credits deposited automatically to your account. It will give you faster access to your funds. When your payroll posts, we post – there’s NO hold time! Online Banking Take advantage of our online tools – it’s easy and saves you time! All you need to get started is your member number and the last four digits of your Social Security number. Mobile Banking App Do your banking on-the-go! Download our FREE FireFirstCU app for Apple® and Android™ devices. You can manage your accounts, pay bills and even deposit checks using the camera on your mobile device. 1. Visit the ‘App Store’ or ‘Google Play’ and search for the “FireFirstCU” app 2. Tap the download or install button to add the app to your phone or tablet
FireFirstCard App Download our FREE
FireFirstCard app and manage your credit and debit cards right from your phone.
1 transactions by sending a text command. Simply text your command to 454545 for instant account information. Online Statements Protect your identity when you enroll in Online Statements. Your information is kept safe in your password-protected online banking account. Opening Additional Accounts Text Banking Text banking gives you access to your accounts via text messages with your mobile device. It’s a fast, easy way to look up account balances or recent Opening another account at Firefighters First is simple. Within online banking, click on ‘Apply/Open an Account’. Text Alerts We can send you Urgent Messages alerting you to emergency system outages and critical updates when they arise.
Text messaging charges may apply. Please check with your mobile service carrier for details. Important: You’ll need to enable Text Banking within online banking first.
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Are you ready to learn more? We’re here to help. firefightersfirstcu.org - (800) 231-1626
VALUE Enjoy The
Of Membership
Our history started with Firefighters pooling their money in a cigar box to help rookies purchase their gear. Today we still hold that philosophy of “Firefighters helping Firefighters” .
0.75% Annual Percentage Yield (APY) dividend rate bump on any share certificate.
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$250 when you open a checking account with direct deposit.
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0.50% Annual Percentage Rate (APR) discount on any fixed term loan.
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Receive a free Insurance check-up with Firefighter Insurance Services.
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Receive a free analysis of your deferred comp, 401(k)/457 and college savings plan.
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Offer limited to new Firefighters First Credit Union members only and is valid for twelve (12) months from the opening date of membership. Spousal accounts are excluded. A limit of one dividend rate bump per household. 0.75% dividend rate bump applies to all share certificate accounts. This offer cannot be combined with any other offers. The dividend rate and APY are subject to change without notice. Firefighters First Share Certificate: Dividends are compounded monthly and credited monthly. A penalty for early withdrawal may be imposed. 0.00%-0.05% Annual Percentage Yield (APY), Offer limited to new Firefighters First Credit Union members only, valid for twelve (12) months from the opening date of membership. Spousal accounts are excluded. Minimum of $1,000 per month in direct deposits for two (2) consecutive months is required to receive the $250 incentive. Incentive will be paid within 90 days following the second consecutive month of at least $1,000 in direct deposits. Incentives are considered taxable income and may be reported on IRS Form 1099-INT. Rates subject to change after account opening. Fees may reduce earnings on account. No minimum balance required to open the account. Based on creditworthiness. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. Loans currently financed with Firefighters First Credit Union are not eligible for this offer. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Offer limited to new Firefighters First Credit Union members only and is valid for one (1) year (12 months) from the opening date of membership. Spousal accounts are excluded and members under the age of 18 are excluded. A limit of one discount per household. 0.50% APR loan discount applies to all fixed consumer loans including: autos, motorcycles, boats, motor homes, travel trailers, dirt bikes, ATVs, and signature loans. Excludes VISA® credit cards, mortgages, lines of credit, and share-secured loans.
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Firefighter Insurance Services (#0G87848) is not insured by NCUA.
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Firefighters First Credit Union and Firehouse Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Firehouse Financial, and may also be employees of Firefighters First Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Firefighters First Credit Union or Firehouse Financial. Securities and insurance offered through LPL or its affiliates are:
Not Credit Union Deposits or Obligations
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
May Lose Value
Are you ready to learn more? We Have Your Back. firefightersfirstcu.org - (800) 231-1626
BANK Whenever and Wherever You Want. We know firefighters and their families better than anyone. That is why we offer a variety of convenient services to make your banking life easier. Easy Access Online & Mobile Banking makes it easier for you.
Account Access – Check account balances, history, transaction status.
Fast and Secure Transfers – Move money between your accounts or other financial institutions.
Bill Pay – Faster than the mail with no need for stamps.
Deposit Flexibility – Make your deposits from your mobile device.
YOU ARE NEVER TOO FAR FROM HOME AS PART OF THE NATIONWIDE CO-OP NETWORK, YOU HAVE BANKING TOOLS WHEREVER YOU MIGHT BE.
ATMs and Shared Branches – Use any ATM anywhere. Enjoy unlimited ATM access through our no-fee CO-OP ATMs nationwide (basically any credit union ATM). Plus, use ANY bank ATM and we’ll reimburse you for up to five (5) ATM transaction fees per month*. You also have ATM access at select 7-Eleven, Rite Aid®, and Costco® locations. That adds up to convenience comparable to the country’s largest banks.
It’s easy to search for the closest ATM or shared branch.
MOBILE Use the FireFirstCU app or the CO-OP app on your mobile device.
TEXT Text a Zip Code to 91989 to find nearby ATM and Shared Branch Locations. SB = Shared Branch SBX = Shared Branch Express
CALL Call 1-888-SITE-CO-OP (888-748-3266) to find a location by telephone.
*ATM rebate program details: Firefighters First Federal Credit Union will reimburse you up to $10 per transaction on your first five (5) ATM surcharges per calendar month, when using your Firefighters First debit card. Fees will be reimbursed the same day unless your ATM withdrawal is after 3:00 pm (PT). Withdrawals after this time or on a non-business day will post on the next business day along with the fee reimbursement. To qualify for this program, you must have a combined direct deposit total of at least $1,000 per month for at least two (2) consecutive months ongoing and you must make your ATM withdrawal from your Firefighters First personal or business account.
Firefighters First Credit Union is not associated with 7-Eleven, Rite Aid® or Costco®.
Are you ready to learn more? We Have Your Back. firefightersfirstcu.org - (800) 231-1626
CHECKING ACCOUNTS WITH THE FLEXIBILITY, CONVENIENCE AND BENEFITS YOU NEED!
Free debit card No minimum balance Free mobile deposits
Variety of overdraft protection options Free stop payments, cashier’s checks, domestic wires and more! eChecking if you primarily bank online Write up to five (5) checks per month* Earn 0.5% cashback with your free debit card Ready Checking if you write a lot of checks Earn dividends Unlimited check writing
* Over five (5) checks will incur an Excess Check Fee of $2 each.
WE HAVE YOUR FUTURE IN MIND – THAT IS WHY WE PROVIDE SEVERAL SAVINGS OPTIONS, WITH COMPETITIVE RATES AND VARIOUS TERMS.
Savings With a minimum $5 balance, this is the account that establishes your membership with the Credit Union and is a great place to put your money for short term needs. We also have a Holiday Helper account, to set aside extra funds for the holidays and earn a higher dividend rate. Share Certificate Accounts Certificates provide a guaranteed rate of return for a specific amount of time. If you are looking for a steady and secure yield, our share certificates are for you. And, they are a smart way to diversify your savings portfolio.
Money Market Account A money market account is designed to maximize your earnings. The tiered dividend structure ensures the more you save, the more you earn! You also get the advantage of unlimited deposits, and up to six (6) withdrawals a month. IRA Accounts IRAs are one of the best retirement savings tools available today. Earnings within Traditional IRAs are tax-deferred until they are distributed and earnings within Roth IRAs may be distributed tax-free. We offer Traditional, Freedom, Coverdell, and Roth IRAs.
Rookie Account A minor account offers a child under the age of 18 the opportunity to learn money management skills under your watchful eye. Children learn the benefits of Credit Union membership and can save for special purchases or events and earn dividends. 1-Year Term; $250 Minimum; $2,500 Maximum. Up to three (3) Rookie share certificates per minor account.
Are you ready to learn more? We Have Your Back. firefightersfirstcu.org - (800) 231-1626
Convenient
BANKING
To Suit Your Active Lifestyle
We offer loans for all of life’s adventures. Answer the call of the wild – and enjoy! This is just another way we demonstrate the Firefighters First difference.
Auto Loans We offer low rates, appealing loan amounts and flexible terms for: new or used cars, hybrids, SUVs, pickup trucks, and minivans. Personal Loans You can use the funds from a personal loan for almost anything – unexpected expenses, a weekend getaway or simply consolidating your debt. With flexible terms, competitive rates, and immediate pre-approvals, we’ll show you how affordable your dream can be.
Toy Loans It’s time to play! What’s on your wish list? We can help you get your favorite toys.
Dirt bikes/ATVs Motorcycles Boats Travel trailers Motor homes RVs
Home Loans Whether you’re looking to purchase your first home, refinance your current mortgage or hoping to lower your expenses to enjoy retirement, we’ve got options. Ask about our low rates for the following: First and Second Mortgages Home Equity Line of Credit (HELOC) Commercial Property Loans Mortgages Nationwide
Rate Drop Rate Lock
Visa® Credit Cards Firefighters First Credit Union has the right card for you or your business! Whether you’re looking for a great rate, cashback rewards, or a tool to build your credit history, we have the right card for you. Visa Signature® (2% cashback rewards) Platinum Visa® (1% cashback rewards) Classic Visa® (1/2% cashback rewards) Business Platinum Visa® (1% cashback rewards)
NMLS ID #649058
Are you ready to learn more? We Have Your Back. firefightersfirstcu.org - (800) 231-1626
Full Service
WEALTH MANAGEMENT
BUSINESS SERVICES Firefighters First Business Services
TRUST SERVICES Firefighters First Credit Union Trust
provides a full complement of business banking services to help you manage your business. Checking - NO minimum balance requirement, UNLIMITED deposits per month, plus easy check scanning on mobile app for deposits. Savings Accounts - The perfect complement to our hassle-free business checking account with no monthly service fees; no minimum balance requirement; and competitive dividend yields. Business Loans - Commercial mortgages, lines of credit, construction, equipment, commercial vehicle, construction, and term loans. Business Platinum Visa® - Earn 1% unlimited cashback rewards on your purchases, while managing your business expenses.
Services is here to protect you and your family. We will educate, guide, and facilitate all your estate planning needs to better protect those you care about most. In partnership with MEMBERS Trust Company*, we are here to ensure that your estate planning and financial needs are met.
We can assist with: Estate Planning Trustee Services
Estate and Trust Settlement Attorney Referrals
For personal assistance, please contact your trust officer, at (800) 231-1626.
*Trust services are provided by MEMBERS Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency, Trust and investment products are not deposits of or guaranteed by the trust company, a credit union or credit union affiliate, are not insured or guaranteed by the NCUA, FDIC, or any other governmental agency, and are subject to investment risks, including possible loss of the principal amount invested.
FIREHOUSE FINANCIAL Firehouse Financial is our investment and financial planning service offered through LPL Financial, our broker/dealer, and offers professional advice to help you reach your financial goals. They understand firefighter pension and deferred compensation programs.
FIREFIGHTER INSURANCE SERVICES (FIS) was created specifically, to benefit our members with competitive pricing from dependable insurance providers such as: Nationwide, CIG, Travelers, Hartford, Safeco, Progressive, Mercury, Civil Service Employees Insurance Group and many more. FIS provides insurance coverage for: Auto Homeowners Commercial Properties Motorcycles RVs Boats Umbrella Life Earthquake Rental Properties Business
Services provided:
Retirement planning DROP Program planning Tax-advantaged investing Stocks, bonds, options, and annuities Mutual funds 401(k) College planning Experienced LPL Financial Advisors have the knowledge and resources you need to help you reach your investment goals.
For personal assistance, please contact us call us at (800) 231-1626 or via live chat, video chat or member quick request.
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker/dealer (Member FINRA/ SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Firefighter Insurance Services is not insured by NCUA, License #0G87848.
FIREFIGHTERS FIRST TAX SERVICES Firefighters First Tax Services is our nationwide tax preparation service offered year-round to our Fire Family. Our team specializes in serving firefighters ensuring you receive the highest level of support and the most back on your return.
FIRE FAMILY FOUNDATION Fire Family Foundation is the charitable hand of Firefighters First Credit Union. It was created to assist the Fire Family in time of need, to provide financial education, to support fire charities, and to provide scholarships. We are proud to state that 100% of all donations go back to the programs in support of the Fire Family. Ways to Give If you would like to provide support, tax deductible* donations can be made online, through the mail, or dropped off at any Firefighters First Credit Union branch location. You can also set up automatic monthly deductions.
Services provided:
Free consultations Year-round service Informed advice Personal tax preparation Transparent pricing
For a free consultation, please contact your tax professional, at (800) 231-1626
* Fire Family Foundation is a nonprofit 501(c)(3) organization, the charitable hand of Firefighters First Credit Union. Tax ID # 36-4613248. Donations are deductible as permitted by law.
Additional Services & Benefits • Free FICO® scores in online and mobile banking • Free cashier’s checks • Free domestic wire transfers
Free notary services Amusement park discount tickets
Interested in any of our services? Contact us for more information (800) 231-1626.
CONTACT US. Visit firefightersfirstcu.org to find answers to many of your questions. For more immediate personal attention, please call us at (800) 231-1626 or connect with us via live chat, video chat or member quick request.
Branch Hours Monday – Friday, 7:00 am - 4:00 pm
Virtual Branch Hours Monday – Friday, 6:00 am - 4:30 pm (PT)
Debit/Credit Cards If your Firefighters First debit or credit card is lost or stolen, call us at: (800) 231-1626 and follow the phone prompts for a lost or stolen card Available 24 hours a day Online Member Quick Request Available from 7:00 am - 8:00 pm (PT), seven days a week We are here to answer your questions any time – even after regular business hours and on weekends Live Online Chat Available Monday – Friday, 6:00 am - 4:30 pm (PT) through the mobile app and online banking Video Call Available Monday – Friday, 6:00 am - 4:30 pm (PT) through the mobile app and online banking
Are you ready to learn more? We Have Your Back. firefightersfirstcu.org - (800) 231-1626
Share Your Exclusive
MEMBERSHIP We are proud to exclusively serve the Fire Family nationwide. Firefighters First Credit Union membership is available to: Employees of fire departments, including government and private fire departments Employees of organizations with a focus on fire prevention, control, or preparedness Employees of nonprofit foundations organized for the benefit and support of firefighters
Retired firefighters who receive a pension from the fire industry Immediate family members of primary members including:
Spouse, Widows and Widowers Children
Parents Siblings Grandparents Grandchildren, Great Grandchildren In-Laws (Mother, Father, Daughter, Son)
Fire departments and fire stations; nonprofit foundations benefiting and supporting firefighters; fire related nonprofit charitable organizations; and businesses owned by members Membership is subject to verification of eligibility Your membership opens the way for those closest to you to join the Credit Union as well. Once they become members, they are a member for life! Like you, they will enjoy full access to all Credit Union products and services. Federally insured by NCUA
09/2025
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